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Old 14.07.2019, 16:34
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Car insurance for Nürburgring?

Hi everyone!

Does anyone ever got a car insurance for the day to do a lap on the Nürburgring?





Thanks!!!
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Old 14.07.2019, 17:20
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Re: Car insurance for Nürburgring?

None of the Swiss insurances have coverage for such. You can rent a special car for this, but deductions are still several thousands. And if you park in the side protection you are not only faced with your own damage, but also have to pay already 150,- for each meter you hit for inspection costs, towing will be 600,- and if you block the road that will be 1350,- per hour.

It all sounds nice and can be great fun, but have some money spare before you do so.
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Old 14.07.2019, 17:23
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Re: Car insurance for Nürburgring?

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None of the Swiss insurances have coverage for such. You can rent a special car for this, but deductions are still several thousands. And if you park in the side protection you are not only faced with your own damage, but also have to pay already 150,- for each meter you hit for inspection costs, towing will be 600,- and if you block the road that will be 1350,- per hour.

It all sounds nice and can be great fun, but have some money spare before you do so.
Thats why I was asking if there is any company that offers a one day insurance cover for doing one or two laps there
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Old 14.07.2019, 17:58
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Re: Car insurance for Nürburgring?

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Thats why I was asking if there is any company that offers a one day insurance cover for doing one or two laps there
There actually is: https://www.tsm.ch/en/casco/circuit/

But I can't say anything about their prices/coverage, never heard of them and I don't speak French.
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Old 14.07.2019, 18:42
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Re: Car insurance for Nürburgring?

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There actually is: https://www.tsm.ch/en/casco/circuit/

But I can't say anything about their prices/coverage, never heard of them and I don't speak French.
Thanks! Just sent them an email, lets see what they say...
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Old 15.07.2019, 10:30
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Re: Car insurance for Nürburgring?

Depends on the day.

Track day needs special track day insurance.

However, during Touristernfahrt days the Nordschleife is considered a one-way toll road. As such, road rules generally apply (overtake from the left), and some insurance contracts that do cover one-way toll roads will actually cover you.

Here is a pretty good explanation

The same goes for other tracks that offer "tourist days"; e.g. Hockenheim. Closed track day needs special insurance, tourist day you need to check your contract T&Cs and see.
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Old 15.07.2019, 12:48
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Re: Car insurance for Nürburgring?

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Depends on the day.

Track day needs special track day insurance.

However, during Touristernfahrt days the Nordschleife is considered a one-way toll road. As such, road rules generally apply (overtake from the left), and some insurance contracts that do cover one-way toll roads will actually cover you.

Here is a pretty good explanation

The same goes for other tracks that offer "tourist days"; e.g. Hockenheim. Closed track day needs special insurance, tourist day you need to check your contract T&Cs and see.
Almost every (if not all) normal car insurance in Switzerland excludes coverage when driving on racetracks, the fact that the circuit itself sets different rules for a day does not change the fact that it is a racetrack. Exclusions can be made for training but the tourist days don't fit the requirements for such.

https://onemorelap.com/schweizer-ver...-nuerburgring/
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Old 15.07.2019, 14:08
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Re: Car insurance for Nürburgring?

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Almost every (if not all) normal car insurance in Switzerland excludes coverage when driving on racetracks, the fact that the circuit itself sets different rules for a day does not change the fact that it is a racetrack.
The Nuerburgring Nordschleife isnt a race circuit, its a public toll road. The GP track next to it is a circuit.


However, obviously do people drive rather quickly there and raise the risk of crashes... so obviously people caused damages and insurances got out of paying referencing some clause that explicitedly also excluded tourist drives.



https://www.autozeitung.de/nuerburgr...hleifen-fahrt_


I would either rent a car at the track or get some extra insurance.
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Old 15.07.2019, 14:28
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Re: Car insurance for Nürburgring?

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The Nuerburgring Nordschleife isnt a race circuit, its a public toll road. The GP track next to it is a circuit.


However, obviously do people drive rather quickly there and raise the risk of crashes... so obviously people caused damages and insurances got out of paying referencing some clause that explicitedly also excluded tourist drives.



https://www.autozeitung.de/nuerburgr...hleifen-fahrt_


I would either rent a car at the track or get some extra insurance.
Your article says that the German Judge agrees with me and that Nordschleife is a racing track meaning most insurances exclude it from coverage, nothing to do with tourist drive or not.

Even the owners market it as being a racing track, so how can this even be a discussion?
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Old 15.07.2019, 14:50
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Re: Car insurance for Nürburgring?

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Your article says that the German Judge agrees with me and that Nordschleife is a racing track meaning most insurances exclude it from coverage, nothing to do with tourist drive or not.

Even the owners market it as being a racing track, so how can this even be a discussion?
The owners, which is btw the state, have market it for decades as a family friendly weekend drive with motorsport inspired theme park. Particularly the "anyone can come here and drive it for a small fee" bit is the key message. Which is why you end up with the ring being full of buses or similar not-so-performance oriented vehicles on it. Thats why you had that court case in my link in the first place. The guy made his claim based on the way the Ring is sold to people… he didnt make that up.

The Nordschleife has not seen any F1 action since Niki Lauda nearly turned into a crisp as it simply cannot meet modern safety standards. The only real races happening there are the endurance touring car races. The GP track next to it is a totally different discussion. However, the judge rules the insurance to be right, so a small clause on tourist drives is enough to exclude coverage. however, that clause has to be there. if it isnt you are covered.
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Old 15.07.2019, 14:54
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Re: Car insurance for Nürburgring?

so bottom line, ask your insurance company.

as for being a toll road - yes it is, which is why just about all UK insurance policies specifically name and exclude it, try turning up to silverstone on a track day in a tourist coach and see if they let you drive round

driven there quite a few times, avoid weekends, also stay off the track immediately after it reopens after a crash, people go mental and you inevitably end up with another crash.

make sure your car is in tip top condition! it eats tyres and brakes, even our 'sporty' car cooked the brakes after 2 laps, and the brand new set of tyres lasted 5 laps, and the clutch went a few miles out from the track.

read read read, plenty of info out there on do's and don'ts of the ring, its an incredibly dangerous place, its not a track day, people haven't been briefed, no one is going to stop you being a total bell end, sad to say you can sit in the car park people watching and single out the people who are going to be on the back of that flat bed, and they are usually brits - its actually quite an amusing way to pass the time

If you see spectators at a corner they are there for good reason!! its where people crash, don't become a youtube star!!

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Old 15.07.2019, 15:03
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Re: Car insurance for Nürburgring?

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The owners, which is btw the state, have market it for decades as a family friendly weekend drive with motorsport inspired theme park. Particularly the "anyone can come here and drive it for a small fee" bit is the key message. Which is why you end up with the ring being full of buses or similar not-so-performance oriented vehicles on it. Thats why you had that court case in my link in the first place. The guy made his claim based on the way the Ring is sold to people… he didnt make that up.
It is specifically marketed as a racing track, the first thing they say when you go to their website for tourist drives:

Erfahre die Rennstrecken des Nürburgrings in Deinem eigenen Fahrzeug.

So I don't get how you can say they don't do this.

Declaring normal traffic rules does not suddenly make something not a racing track anymore, it just makes it a racing track with normal rules. And that is why Swiss and German insurances will give you a hard time and why the judge declared that the insurance did not have to pay.
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Old 15.07.2019, 15:08
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Re: Car insurance for Nürburgring?

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It is specifically marketed as a racing track, the first thing they say when you go to their website for tourist drives:

Erfahre die Rennstrecken des Nürburgrings in Deinem eigenen Fahrzeug.

So I don't get how you can say they don't do this.
https://en.wikipedia.org/wiki/N%C3%BCrburgring

"Because it is technically operated as a public toll road"
"the track was opened to the public in the evenings and on weekends, as a one-way toll road."

and a billion other hits

https://www.google.com/search?q=is+N...hrome&ie=UTF-8
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Old 15.07.2019, 15:18
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Re: Car insurance for Nürburgring?

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https://en.wikipedia.org/wiki/N%C3%BCrburgring

"Because it is technically operated as a public toll road"
"the track was opened to the public in the evenings and on weekends, as a one-way toll road."

and a billion other hits

https://www.google.com/search?q=is+N...hrome&ie=UTF-8

Yes, the racing track is operated as a public toll road nobody is disputing that, nonetheless it remains a racing track.
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Old 15.07.2019, 15:24
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Re: Car insurance for Nürburgring?

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Yes, the racing track is operated as a public toll road nobody is disputing that, nonetheless it remains a racing track.
whatever, monaco must do your head in, cheers for the groan
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Old 15.07.2019, 15:36
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Re: Car insurance for Nürburgring?

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https://en.wikipedia.org/wiki/N%C3%BCrburgring

"Because it is technically operated as a public toll road"
"the track was opened to the public in the evenings and on weekends, as a one-way toll road."

and a billion other hits
And just one of the first Google hits if one search for "Nordschleife Versicherungsschutz" gives:

Quote:
WAS SAGT DIE VERSICHERUNG ZUR NORDSCHLEIFEN-FAHRT?

Wer mit gutem Gewissen über die Nürburgring-Nordschleife fahren möchte, schaut vorher in seine Versicherungsunterlagen: Viele Versicherer haben nämlich eine Klausel im Vertrag, in der Versicherungsleistungen im Falle eines Unfalls auf einer Rennstrecke ausgeschlossen sind. In diesem Falle sollte man besser auf das eigene Auto verzichten und einen Rennwagen für die Runde mieten – die Erklärung dazu folgt im nächsten Absatz. Was die Versicherungsklausel für die Praxis bedeuten kann, zeigte die Klage eines Ford-Fahrers gegen seine Versicherung (Az.: 20 U 213/16): Sie hatte die Zahlung mit dem Hinweis verweigert, dass "Touristenfahrten auf offiziellen Rennstrecken" vom Versicherungsschutz ausgenommen seien.
https://www.autozeitung.de/nuerburgr...rgring:_regeln

and here some answers of Swiss car insurers companies. As you can read they all have the same view: The Nordschleife is a race track and not covered.
https://onemorelap.com/schweizer-ver...-nuerburgring/

If you are wondering what the "driving safety course on a Swiss race track" means: That is the Circuit de Lignières https://www.tcs.ch/fr/cours-controle.../lignieres.php
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Old 15.07.2019, 15:40
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Re: Car insurance for Nürburgring?

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whatever, monaco must do your head in, cheers for the groan
Yeah, well. Everybody of importance to an insurance claim succeeding or not calls it a racing track, like the owner, the judge and the insurance company's but you keep insisting it isn't.

So according to your reasoning about Monaco, you are saying that insurance companies should also view Zürich centre is a racing track due to the E-formula if they view Nordschleife as a racing track?
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Old 15.07.2019, 16:11
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Re: Car insurance for Nürburgring?

really, its quite simple

on the days its hosting a race, and its closed for the public to drive on, and there are marshals, safety vehicles and RACING cars on it - then its a racetrack

on the days you drive upto one of the toll booths and pay the toll along with anyone else who wants to in whatever road legal vehicle they have - then its a toll road.
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Old 15.07.2019, 16:20
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Re: Car insurance for Nürburgring?

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really, its quite simple

on the days its hosting a race, and its closed for the public to drive on, and there are marshals, safety vehicles and RACING cars on it - then its a racetrack

on the days you drive upto one of the toll booths and pay the toll along with anyone else who wants to in whatever road legal vehicle they have - then its a toll road.
If it is so simple than why do you not understand it?

Even if they would have a cattle market on it tomorrow, it still would be a racetrack tomorrow, it would be a cattle market on a racetrack, just like during tourist drives it is a toll road on a racetrack.
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Old 15.07.2019, 16:22
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Re: Car insurance for Nürburgring?

also quoting insurance companies is, sorry, retarded. They don't want to pay a claim - full stop. They will say anything to avoid paying.

Like when a muppet hit me on a roundabout and his insurance company blamed me as he wasn't in the wrong lane because the highway code means nothing, the judge decided otherwise.
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